“Uninsured motorist coverage is also your protection against drivers who don’t carry bodily injury liability insurance and hurt YOU. Considering many Florida motorists drive without insurance, have no license due to immigration problems and are not required by law to carry bodily injury liability insurance, it’s important to have uninsured motorist coverage.”

Although it’s possible to save by not purchasing bodily injury liability insurance, Snyder points out what you can stand to lose if you don’t have it. “If you injure someone in an accident that’s your fault, you can lose your driver’s license until you pay all the damages for the injuries you caused. What’s more, the insurance company will not pay for an attorney to defend you in the event of a lawsuit that can result in exorbitant legal defense fees.”

To make sure you don’t get “taken for a ride,” Snyder & Gonzalez suggests choosing a reputable insurance company in lieu of a substandard one that’s the least inexpensive or follows the philosophy “deny, delay, don’t pay.”

Addressing the question, “Should I use my grandparents’ address to get a lower rate,” Snyder says, “It’s always wise to be as accurate and truthful as possible on applications because if an insurance company investigating an accident determines false information was provided, they have the right to deny coverage.”